Marsh Lending

What are you prioritizing with your investment property: cash flow now or principal paydown? 🏡💰

With an interest-only loan, scheduled payments during the interest-only period cover interest without reducing the principal balance.

That may mean a lower required payment and potentially more room for cash flow—but it also means you aren't building equity through principal reduction from those scheduled payments during that period.

Neither priority is automatically right or wrong. It depends on your investment strategy.

Monthly cash flow. Principal reduction. Holding period. Future plans for the property. Those are all worth discussing before choosing how to finance the investment.

Ready to talk through your options? Contact Marsh Lending.

📞 (214) 729-3180
✉️ [email protected]

What does the “3/1” in a 3/1 ARM actually mean? 🏡

In general, it's pretty straightforward:

3️⃣ = The initial interest rate is fixed for three years.
1️⃣ = After that, the rate can adjust once per year according to the terms of the loan.

For investment-property buyers, an adjustable-rate mortgage may be one financing option to consider when evaluating the initial payment alongside how long you expect to hold the loan.

But remember: once the fixed period ends, the rate—and therefore your payment—can change.

Understanding those adjustment terms and how they fit your timeline is an important part of deciding whether an ARM makes sense for your investment strategy.

Have questions? Talk with Marsh Lending.

📞 (214) 729-3180
✉️ [email protected]

Building the next level of 30A! ✨ Jonathan Spears of Spears Group and Aaron Marsh of Marsh Lending, bringing real estate and financing together on the coast. A beautiful night in Alys Beach at the Hamptons of the South party. Thank you, Jonathan and the Spears Group team, for an incredible evening!

How long do you plan to keep the loan you choose today? 🏡

If you're considering an adjustable-rate mortgage for an investment property, your expected timeline should be part of the conversation.

With a 3/1 ARM, for example, the initial rate is fixed for three years before it can begin adjusting according to the terms of the loan. An investor may evaluate that initial period alongside their plans for the property—including the possibility of refinancing later if market conditions and their circumstances make it advantageous.

Of course, future rates aren't guaranteed. That's why it's important to understand both the potential benefits and the risks before choosing an ARM.

Don't just finance the property. Finance with your timeline in mind.

Have questions about your options? Contact Marsh Lending.

📞 (214) 729-3180
✉️ [email protected]

Getting the property closed is important. But for an investor, the strategy doesn't end at closing.

Once you own the property, monthly payments, rental income, operating expenses and cash flow all become part of the equation.

That's why Aaron encourages investors to think about how the financing structure supports what they're trying to accomplish after they get the keys.

Depending on the property and your plans, options like interest-only or adjustable-rate financing may be worth exploring as part of that bigger strategy.

Planning your next investment? Talk with Marsh Lending about your options.

📞 (214) 729-3180
✉️ [email protected]

What does “interest-only” actually mean?

During the interest-only period, your scheduled mortgage payment covers the interest on the loan rather than paying down principal.

For an investor, that can potentially mean a lower required payment during that initial period and more room for cash flow. 💰🏡

But there’s an important tradeoff: those scheduled interest-only payments aren't reducing your principal balance.

That's why the conversation shouldn't stop at “What's my payment?” The better question is whether the loan structure fits your property, timeline and overall investment strategy.

Want to explore your investment-property financing options? Contact Marsh Lending.

📞 (214) 729-3180
✉️ [email protected]